Non-QM Mortgage Solutions
Alternative lending options for borrowers who don't meet traditional mortgage requirements.
What Are Non-QM Loans?
Non-QM loans are mortgages that don't meet the strict requirements of qualified mortgages as defined by the Consumer Financial Protection Bureau (CFPB). They offer flexible income and credit requirements for borrowers with unique financial situations.
These alternative lending solutions provide a pathway to homeownership for borrowers such as business owners, investors, and retirees who may not qualify for traditional mortgages due to irregular income or significant tax write-offs.
Unlike qualified mortgages, Non-QM loans don't need to follow the consumer protection provisions of the CFPB, making them accessible to applicants with varying incomes or unique circumstances, such as freelancers or gig workers.
Why Choose a Non-QM Loan?
Alternative Income Options
Use 12–24 months of bank statements, asset depletion, or rental cash flow.
No Tax Returns Needed
Skip the paperwork headaches and qualify on your terms.
Investment-Friendly
Includes options like DSCR loans (based on rental income, not your own).
Who is a Non-QM Loan For?
✓ Self-employed or business owners
✓ Real estate investors
✓ Freelancers or 1099 income earners
✓ Borrowers with high assets but low reported income
✓ Foreign nationals or expats investing in U.S. property
✓ Those with recent credit events (like a BK or foreclosure)
We'll show you exactly what's possible—without the red tape.
